Comparison

Zinary vs TellerOne®

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Zinary

A secure and fast payment platform that enables users to make and accept contactless payments. It offers a simple way to manage transactions and provides live chat support for assistance.

Highlights
  • Secure payment platform
  • Contactless payment support
  • Accept and make payments
  • Live chat support
  • Fast transaction processing
Features
Read full description

Zinary, a secure, reliable, and fast payment platform. Zinary’s unique, simple and secure Zinpay feature allows you to make and accept payments. Sell more by supporting Zinpay in your store which is a contactless way of payment. If you need help, reach out to support@zinary.com or use the livechat for real time support.

About

TellerOne®

Easily send, receive, and convert money internationally. This app facilitates instant transfers, offers competitive exchange rates, and provides physical and virtual cards for online purchases. It ensures secure transactions with 24/7 customer support.

Highlights
  • International money transfers
  • Currency conversion
  • Physical and virtual cards
  • Competitive exchange rates
  • Multi-currency accounts
  • 24/7 customer support
  • Advanced encryption security
Read full description

TellerOne® is a Nigerian financial service platform for instant money transfers, quick loans, savings & bill payment. No hidden fees. No queues. Send money to any bank in seconds. Open a TellerOne® account in minutes, built for every Nigerian who wants to transact smarter, save faster, and access instant loans stress-free. One simple app for students, freelancers, traders, professionals, and business owners. No paperwork. Just banking that works. Transfer — Fast, Free & Fully Digital Start sending and receiving money the moment you sign up. Send money to any Nigerian bank instantly with real-time alerts on every transaction. Anytime, from anywhere, 24/7. Pay all your bills from one app Electricity, Airtime, Data, TV, Sports Betting, and Government Payments. • MTN, Airtel, Glo, 9mobile airtime & data • IKEDC, EKEDC, AEDC electricity bill payment • DStv, GOtv, StarTimes subscriptions • Internet, Betting, Education & Government bills SAVE — Put Your Money to Work Earn up to 22% interest per annum (rates subject to change; T&Cs apply), paid upfront. Three flexible savings plans to match your goals: • SafeLock: Lock your funds & earn up to 22% interest, paid upfront • Target Savings: Set a savings goal and reach it faster • Regular Savings: Save and withdraw anytime with no lock-in. All deposits are insured by the Nigeria Deposit Insurance Corporation (NDIC). BORROW — Instant Loans, Zero Stress (Coming Soon) Access instant personal loans with competitive rates, approved in minutes, not days. No paperwork, no collateral, no guarantors. • Loans from ₦5,000 to ₦500,000 • Quick loan approval with decisions in minutes • Flexible repayment terms tailored to your salary cycle • No hidden charges. What you see is what you pay. • Salary advance available for eligible users CARDS — Your Debit Card, Your Way (Coming Soon) Request a physical or virtual Naira debit card instantly from the app. Use it at ATMs, POS terminals, and for online payments in Nigeria and internationally. • ATM cash withdrawals nationwide • POS payments across millions of terminals • Online payments locally & internationally • Full card controls in-app SECURITY — Bank-Grade Protection Every transfer, loan, and payment is protected by advanced encryption and real-time fraud monitoring, 24/7 with no exceptions. • End-to-end encryption on every transaction • Real-time fraud detection & instant alerts • Biometric login and BVN-linked verification • Instant transaction notifications SUPPORT — Always Here for You Our dedicated support team is available 24/7 for fast dispute resolution. Email: supportng@tellerone.com | In-app chat | Whatsapp: 09080048400 | www.tellerone.com/ng Follow us: @TellerOneNG (Instagram | X | Facebook | TikTok) HOW TO GET STARTED 1. Download the TellerOne® mobile app 2. Create your account in minutes 3. Complete BVN & NIN-linked KYC, quick and paperless 4. Fund your account instantly 5. Start transacting and live without barriers WHY NIGERIANS CHOOSE TELLERONE® • Free instant account opening • Instant transfers to all Nigerian banks • Quick loans from ₦5,000 to ₦500,000 • No hidden fees on any transaction • Up to 22% interest on SafeLock savings, paid upfront • Multiple savings plans for every goal • One-tap bill payment: electricity, airtime, data & more • Physical & virtual Naira debit card with full controls • Real-time spending insights & financial overview • Advanced encryption & fraud protection on every transaction • 24/7 Nigerian customer support team • Financial services powered by TellerOne FI Microfinance Bank, duly licensed by the Central Bank of Nigeria (CBN) • All deposits insured by Nigeria Deposit Insurance Corporation (NDIC) Read our full privacy policy at www.tellerone.com/ng/privacy Download TellerOne®, Nigeria's most intuitive digital banking app for mobile banking, instant loans, savings, and bill payment.

Screenshots

Zinary4 screens
TellerOne®4 screens

Verdict

The call

The clearest difference is review sentiment: TellerOne® at 83% against Zinary's 0%. TellerOne® also leads on rating (3.7 vs 1.8). Zinary's advantage is iOS requirement (11.0 vs 15.5). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

TellerOne® holds the better App Store score, 3.7 against 1.8. Both are backed by a comparable volume of ratings — 9 and 10 respectively. Written reviews point the same way: 0% of Zinary's written reviews are positive against 83% of TellerOne®'s.

UpkeepUpdate frequency

Zinary ships an update every 2 weeks, TellerOne® fortnightly. The most recent releases landed on October 14, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
Zinary versus TellerOne®: the parameters behind the verdict, then further details
ParameterZinaryTellerOne®
PriceFreeFree
Rating1.8 (9 ratings)3.7 (10 ratings) — better
Positive reviews0.0% of reviews83.3% of reviews — better
Number of ratings910 — better
Update frequencyEvery 2 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS11.0 — better15.5
Further details — not scored
Size54 MB92 MB
Age rating4+17+
DeveloperZINARY ANALYTICA LIMITEDTellerOne, Inc.

Customer experience

Zinary

All ratings9 ratings
Positive22.2%
Neutral0.0%
Negative77.8%
Written reviews7 reviews
Positive0.0%
Neutral14.3%
Negative85.7%

TellerOne®

All ratings9 ratings
Positive77.8%
Neutral0.0%
Negative22.2%
Written reviews6 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

In-app purchases

None

Zinary

No in-app purchases

None

TellerOne®

No in-app purchases

Questions

Is Zinary free?
Zinary is free to download, with no in-app purchases.
Is TellerOne® free?
TellerOne® is free to download, with no in-app purchases.
Which has better reviews, Zinary or TellerOne®?
TellerOne® is rated higher. Zinary averages 1.8 out of 5 from 9 ratings, while TellerOne® averages 3.7 from 10 ratings.
Do Zinary or TellerOne® have ads?
Neither Zinary nor TellerOne® shows ads.
Which is updated more often, Zinary or TellerOne®?
Zinary ships an update every 2 weeks, and TellerOne® fortnightly. Most recently, Zinary was updated on October 14, 2026 and TellerOne® on October 30, 2026.

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